654 Rosemare Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 654 Rosemare Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,259 sqft · built 2005
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,000 (May 2018)
Tax Bill	$7,789 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`08-06-207-001`

Property Details

APN / Parcel Number

Primary APN	`08-06-207-001`
Alternative APNs	`806207001` `114 052`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,259 sqft Living Area
Basement Area	1,259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	25,700 sqft (0.59 acres)
Garage Area	700 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	654 ROSEMARE DR
City	ROSCOE
State	IL
Zip	61073-6327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1 - SINGL
Legal Description	CRYSTAL HILLS NO 1 PT NE1/4 SEC 6-45-2LOT 22
Legal Range	2
Legal Township	45
Legal Section	6
Legal Subdivision	CRYSTAL HILLS NO 1
Legal Lot Number	22
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	3
Census Block	3017
Census Tract	3801

Owner

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · Conventional Mortgage BYLINE BANK
Mar 23, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage STILLMAN BANCORP NA
Jun 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
May 31, 2018	Warranty Deed, Transfer · Conventional with PMI MEMBERS ALLIANCE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	20181015095
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004584
Date	Mar 4, 2024
Instrument	2404584

Lender

Name	BYLINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006088
Date	Mar 23, 2023
Instrument	2306088

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2053

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010416
Date	Mar 29, 2021
Instrument	2110416

Lender

Name	STILLMAN BANCORP NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021602
Date	Jun 22, 2021
Instrument	2121602

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Transaction Type	Mortgage
Record Updated	May 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010871
Date	Apr 6, 2022
Instrument	2210871

Lender

Name	SPRING EQ LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2042

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 31, 2018
Property Address	654 ROSEMARE DR, ROSCOE, IL 61073-6327
Document Number	0001015095
Instrument Date	May 24, 2018
Instrument	1015095
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	NORTHERN LAND TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	654 ROSEMARE DR ROSCOE IL 610736327, ROSCOE, IL 61073-6327

Mortgage

Document Number	1015096
Date	May 31, 2018
Instrument	1015096

Lender

Name	MEMBERS ALLIANCE CU
Type	Credit Union
Address	ROCKFORD, IL 61114

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	May 30, 2038

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
Municipality	Roscoe Village
Secondary School District	Hononegah Community High School District 207 (09 - 12)
Elementary School District	Rockton School District 140 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,789.00	$107,245 (+33.46%) Land $17,222 Building $90,023	$321,735 (+33.46%) Land $51,666 Building $270,069
2022	Homeowner's exemption	$80,356 Land $12,904 Building $67,452	$241,068 Land $38,712 Building $202,356

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	76 (1978–2019)
Claims Outside the SFHA	4 of 76
Most Recent Claim	Oct 2019 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Jul 2010 · 21 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTH PARK PWD serves 35,580 people · EPA ID IL2015500
Water Source	Groundwater
Last State Inspection	Dec 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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